TRU

Based on TransUnion's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

What does TransUnion do?

TransUnion provides risk and information solutions to businesses and consumers. It helps companies assess credit risk, detect fraud, verify identities, and acquire customers. On the consumer side, it offers credit monitoring and identity protection services. The company operates in the U.S., internationally, and through a direct-to-consumer segment.

Does TRU pay dividends?

Yes, TransUnion pays a regular dividend. This is notable for a data and analytics company, as many peers in the sector reinvest earnings rather than distribute them. The dividend reflects a level of financial maturity alongside continued investment in growth.

When does TRU report earnings?

TransUnion reports earnings quarterly, in line with standard practice for US-listed companies. For the exact schedule and most recent results, check TransUnion's official investor relations page.

Is TRU a good stock to buy?

UQS Score rates TRU as Good overall. Its Quality, Moat, Growth, and Valuation pillars are all rated Good, but the Risk pillar is Weak. Whether that profile fits your investment approach depends on your own risk tolerance. The full pillar breakdown is available to UQS Pro members.

Is TRU overvalued?

TransUnion's Valuation pillar is rated Good, suggesting the stock is not trading at an extreme premium relative to its fundamentals. That said, valuation is one of five pillars — the complete picture requires reviewing Quality, Growth, Moat, and Risk together.

How does TRU compare to its competitors?

TransUnion competes most directly with Equifax in consumer credit reporting, while Verisk targets insurance analytics and Booz Allen focuses on government consulting. Each peer has a distinct market emphasis. UQS Score profiles all of these tickers — Pro members can compare pillar-level scores side by side.

What is TRU's market cap bracket?

TransUnion is classified as a large-cap company, placing it among the more established and widely followed equities in the data and analytics space.

Who founded TransUnion?

TransUnion has roots going back decades as a credit reporting bureau, though its current corporate structure was established in 2015. Detailed founding history is widely available through TransUnion's official corporate and investor relations materials.

Is TRU a long-term quality stock?

As a long-term quality indicator, TRU's Good ratings across Moat, Quality, and Growth suggest a business with durable competitive positioning and steady expansion. The Weak Risk pillar is the primary flag for long-term investors to monitor. Pro members can access the full breakdown to assess fit.

What is the main competitive advantage of TransUnion?

TransUnion's core advantage lies in its proprietary data assets and analytics infrastructure, which are difficult and costly to replicate. Its Good Moat pillar reflects this — credit bureaus benefit from network effects, regulatory barriers, and deep integration into lender and insurer workflows.

What sector does TRU belong to?

TransUnion is classified under the Industrials sector. Within that broad classification, it operates specifically in data, analytics, and risk solutions — serving financial services, insurance, technology, and public sector clients globally.

Is TRU a growth stock or value stock?

Based on UQS pillar labels, TRU shows characteristics of both. Its Good Growth pillar indicates meaningful expansion potential, while its Good Valuation pillar suggests the stock is not priced at a steep growth premium. It sits in a middle ground rather than at either extreme.

TransUnion shows solid profitability with healthy returns on capital and reasonable margins.

TransUnion is growing rapidly with strong revenue and earnings expansion.

TransUnion has some risk factors including moderate leverage or solvency concerns.

TransUnion appears attractively valued relative to its earnings, cash flows, and sector peers.

TransUnion has meaningful competitive advantages that should protect its market position. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for TRU.

The UQS (Unified Quality Score) for TransUnion is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses TransUnion's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether TransUnion is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.